Nina, I work in davenport in the Championsgate office of Watson Realty. I urge you to contact me as soon as possible so I can help you through this process. I am certified to help in short sales, and have been president of three large mortgage banking type banks. I know what is ahead of you and would be pleased to help you navigate through the future with the best options for you. Call me at 407-361-8624 and I will meet with you and help. Dave Humphrey
Call your lender first thing in the morning. That will be the quickest, easiest way to find out accurate information. If it's not too late, the lender may be able to offer you some help. Best thing to do is pick up the phone and call.